Westpac Altitude Credit Card – Rates and Fees

Enjoy 1 in 3 Uber rides free, up to $250, until 31 August 2018 and earn points as you spend with the Westpac Altitude credit card.

The Westpac Altitude credit card allows cardholders to reward their spending with their choice of two rewards programs: Westpac Altitude Rewards or Qantas Frequent Flyer. In addition to reward points, new cardholders will receive every third Uber ride free, $20 maximum per ride, up to $250.

Product NameWestpac Altitude Card
Rewards ProgramWestpac Altitude Rewards
Purchase rate (p.a.)20.24% p.a.
Offer end date31 January 2018
Annual fee$100 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 45 days on purchases
Cash advance rate (p.a.)20.74% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$25,000
Minimum Monthly Repayment2% or $10, whichever is greater
Minimum Income$30,000
Card TypeAmerican Express/Visa
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.5% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Minimum Income$30,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$25,000
Annual Fee$100 p.a.
Minimum Repayment2% or $10, whichever is greater
Late Payment Fee$15
Cash Advance Fee2% of the value of the transaction or a minimum charge of $2.50
Overseas Cash Advance Fee2%
Overseas Emergency Replacement$0
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.5% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostNo
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailNo

Pros

  • This card comes with an Uber promotion of 1 in 3 rides free, maximum $20 per ride, up to $250 total.

Cons

  • This card only offers up to 45 days interest-free period when you make a purchase on this card.
  • The interest purchase rate of 20.24% p.a. is high compared to other cards with a comparable annual fee.
Rewards ProgramWestpac Altitude Rewards
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)2
Rewards Points per $ (VISA/MC) Cap5,000
Rewards Points per $ (AMEX) Cap5,000
Points ExpiryNever

Westpac Altitude credit card review

The Westpac Altitude credit card allows you to earn your choice of Altitude Points or Qantas Points for every dollar you spend on eligible purchases. Depending on the rewards program you choose, you can redeem your points for gift cards for major retail outlets and products from the Altitude Rewards online store or flights and travel rewards with Qantas. These perks come at the cost of a $100 annual fee.

Benefits of the Westpac Altitude credit card

  • Uber offer. Receive every 1 in 3 Uber rides free, up to $250 until 31 August 2018. Maximum amount per ride is $20.
  • Rewards program. Westpac Altitude cardholders can opt to earn either Altitude Rewards or Qantas Points as they spend. If you choose Altitude Rewards, you can earn 2 points per dollar spent with the American Express card and 1 point per dollar spent with your Visa card, up to 5,000 points per statement period. Meanwhile, Qantas Frequent Flyers can earn 1 Qantas Point per $1 spent on Amex and 0.5 Qantas Points per $1 spent with the Visa, up to 2,500 points per statement period. You can also earn 1 bonus Qantas Point per $1 spent on select Qantas products and services.
  • Samsung Pay. You can link your card with Samsung Pay to make contactless payments at the checkout with your Samsung device.

Features of the Westpac Altitude credit card

Your Altitude Points never expire, so save up your points for that special trip or anything else you want.

  • Annual fee. This credit card attracts an annual fee of $100.
  • Purchase rate. This card has a purchase rate of 20.24% p.a.
  • Cash advance rate and fee. If you use the card for cash advances, such as ATM withdrawals, you'll be charged a cash advance fee of 2% of the value of the transaction or a minimum charge of $2.50 and the amount will attract a 20.74% p.a. cash advance interest rate.
  • Credit card protection. Credit Card Repayment Protection is an optional extra available to Westpac Altitude credit cardholders.
  • Additional cardholder. Get 1 additional cardholder for $0 p.a.

How to apply for a Westpac Altitude credit card

If you've compared your options and decided to apply for the Westpac Altitude credit card, make sure you've met the eligibility requirements and organised the necessary information before you begin your application.

Eligibility requirements

  • Age. Cardholders must be at least 18 years of age to apply.
  • Residential status. This card is only available to Australian citizens or permanent residents.

Required information and documents

You'll be asked to provide the following information during the application process:

  • Personal details. You'll need to provide your full name and contact details including your email address.
  • Proof of identification. You'll be required to provide a form of identification, such as your drivers licence, to verify your full name and date of birth.
  • Income details. Westpac may also ask for your income details, which you'll need to verify by providing copies of your pay slips or tax returns, or your accountant's details if you're self-employed. You also need to fill in your employer's company name, address and contact details.
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

46 Responses

  1. Default Gravatar
    ShannonSeptember 6, 2017

    I have altitude black card. What account number do I use to transfer money from other bank account to altitude account? Do I use card number or is there somewhere to access bsb and account for this account??

    • Staff
      MaySeptember 8, 2017Staff

      Hi Shannon,

      Thank you for your inquiry.

      If you are transferring funds to another Westpac account, you may do so by using online banking. Your account number should be used when transferring funds and that is different from the card number displayed in front of the card. You would need to follow the steps below to transfer funds:

      1. Sign in to Westpac Online Banking
      2. Select Payments from the menu
      3. Select Transfer funds from the drop down
      4. Select the account you want to transfer From and To
      5. Enter the amount in Payment details and click continue
      6. Click confirm on pop-up after checking all the details are correct

      In case you would need further assistance with funds transfer, please contact Westpac directly.

      Cheers,
      May

  2. Staff
    DanielleAugust 20, 2017Staff

    Hi Patrick,

    Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

    It’s not possible to transfer your points from one frequent flyer program to another because different programs have different terms and conditions surrounding how you earn points and what they can be spent on. However, it is possible to redeem your frequent flyer points for flights and rewards with another airline if it happens to be a ‘partner airline’ of your chosen flight provider. You may refer to this page for more information.

    I hope this helps.

    Cheers,
    Danielle

  3. Staff
    MayFebruary 3, 2017Staff

    Hi Craig,

    Thank you for your inquiry.

    With Westpac Altitude credit card, you can choose to earn either Altitude Rewards Points or Qantas Points. If you opt into earning Qantas Points, you’ll get 1 point using AMEX card and 0.5 points with the Visa card per $1 spent on eligible purchases using your card.

    Cheers,
    May

  4. Default Gravatar
    AdeleNovember 5, 2016

    Hi! I have a Westpac Altitude American Express card and a Westpac Altitude Visa card. Are frequent flyer points automatically transferred to my Qantas frequent flyer or do I need to transfer the earned points myself? If they are not automatically transferred, how do I do this? Thank you.

    • Staff
      JasonNovember 5, 2016Staff

      Hi Adele,

      Thank you for your inquiry.

      It seems that you cannot transfer your Altitude points to your Qantas Frequent Flyer program account however you can request to opt in to Altitude Qantas and switch from Altitude Rewards program to Altitude Qantas. Once you’ve switched to Altitude Qantas, your Altitude Card will no longer earn Altitude Points and will earn Qantas Points instead as if it were an Altitude Qantas Card.

      Please click this link for information on how to transfer your Westpac Altitude points to other frequent flyer programs.

      Cheers,
      Jason

  5. Default Gravatar
    JackAugust 28, 2016

    Temporary residents need to apply through migrant banking. Could u explain this T&C for me pls. Can full-time 573visa student apply for this card? What is requirement for to apply this card? How to apply through migrant banking?
    Thanks

    • Staff
      MayAugust 29, 2016Staff

      Hi Jack,

      Thank you for your inquiry. Please note that you’ve come through to finder.com.au, not actually Westpac.

      Unfortunately, this Westpac Altitude Credit Card is only available for Australian citizens and permanent residents. I suggest that you contact Westpac’s Migrant Banking customer service team if you wish to apply for a Westpac credit card that is suitable to your current situation.

      Alternatively, you may like to read this article about credit cards available to temporary residents, which you may find useful.

      Cheers,
      May

  6. Default Gravatar
    RJJuly 26, 2016

    hi,

    I have an Altitude Platinum Visa Already, this is connected to all other Westpac accounts. if for example I transfer $5000 from my Credit card to my savings account, what would be the charges?

    • Staff
      MayJuly 28, 2016Staff

      Hi RJ,

      Thanks for your inquiry.

      When you conduct a fund transfer from your credit card to a bank account, that is considered as a cash advance. Generally, a cash advance has fees and interest and will be charged to your account at the time you made the transaction. So for your Westpac Altitude Credit Card, you’ll be charged:

      Cash Advance Fee = 2% of the value of the transaction or a minimum charge of $2.50
      Cash advance interest rate = 20.74% p.a.

      Please feel free to read this article on what transactions are considered as cash advance.

      Cheers,
      May

  7. Default Gravatar
    janelleJuly 22, 2016

    i am an existing customer , can i upgrade to this card from the 55 day platinum ?

    • Staff
      AnndyJuly 22, 2016Staff

      Hi Janelle,

      Thanks for your question.

      If you are an existing Westpac credit card holder and would like to change into another Westpac card, this is possible by visiting a local branch, signing an online form or by calling them. I’ve sent you an email with Westpac contact number and link to the online form.

      Cheers,
      Anndy

  8. Default Gravatar
    SonyaMay 25, 2016

    If I want to redeem my points as a credit card payment what are the points worth per dollar

    • Staff
      AnndyMay 25, 2016Staff

      Hi Sonya,

      Thanks for your question.

      I’ve checked with Westpac and unfortunately, the cashback option to redeem Westpac points is no longer available. We have already updated our Westpac Altitude Credit Card page regarding this.

      Cheers,
      Anndy

  9. Default Gravatar
    MargaretDecember 4, 2015

    What is the minimum income to get a Westpac credit card

    • Staff
      SallyDecember 7, 2015Staff

      Hi Margaret,

      Thanks for your question.

      The Westpac Credit Card doesn’t advertise a minimum income. Instead, the application approval will be based on a number of factors including the credit history and income you provide.

      If you’d like to discuss your likelihood of acceptance before applying, you would benefit from getting in touch with the Westpac customer service team directly.

      Cheers,

      Sally

  10. Default Gravatar
    PaulNovember 12, 2015

    Hi ,

    If I have a cc with a bank can I get another cc with the same bank and use the balance transfer offer.

    Paul

    • Staff
      SallyNovember 13, 2015Staff

      Hi Paul,

      Thanks for your question.

      Whether you can complete the balance transfer will depend on a few things. For example, Westpac only accepts balance transfers from up to 3 non-Westpac Australian issued credit, charge or store cards. The debt you’re transferring can be a minimum of $200 up to 95% of your approved credit limit. To take advantage of the promotional balance transfer, you’ll need to apply before 17 January 2016. Make sure to read the terms and conditions to confirm that you’re eligible to apply before submitting your application.

      Cheers,

      Sally

Credit Cards Comparison

Rates last updated December 11th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question